If you or a loved one was recently involved in a car accident in which you were not at fault, it is important to proceed carefully to ensure that you receive the compensation that you require and deserve. Many insurance companies will avoid paying the amount of money owed to you, and they will drag out your claim for months. If you need a working car right now, this can be a major inconvenience. The following article can help you out, as it outlines what you should do following a car accident to ensure that you receive adequate compensation for damages. If you suspect that the claim or repairs the insurance agency is allowing will leave you with a diminished value in your vehicle, go online to get the help of a claim calculator.
What to Do Following a Car Accident
Getting in a car accident is an unnerving experience at best, and it is a good idea to think carefully about what you will do beforehand so that you do not neglect something important when an accident does happen. It is always better to be prepared. In the weeks following a car accident, there is much that you can expect, and many ways that you can ensure a better outcome of your claim. The following list outlines what to do following a car accident.
- Call the local police: For any accident that is more than a minor fender bender, it is vital that you call the local police. The police will file the report, collect insurance information, and establish who was at fault. It is very important that you have evidence of the other driver’s fault when filing your claim, especially if there is a problem with the insurance agency or the driver’s insurance coverage. The police will also act as a buffer between you and the other driver, and will make the whole experience more comfortable.
- Contact your insurance first: Even though the other driver was at fault, you want your insurance company to be the first to hear about the claim. They can help you file the claim, and will act as a liaison with the other insurance company. This course of action can be especially helpful if the other insurance company is hesitant or tends to drag their feet.
- Take detailed notes: Write down everything you remember about the accident, and file the claim as soon as possible. Keep a record of detailed notes outlining every communication you have with the insurance company, as well as the time frame for repairs, compensation, etc. Doing so will keep the insurance company accountable for their actions, and get your claim resolved sooner.
- Shop around for repairs: In many cases, the insurance company will insist that you use their approved auto shop for repairs, but if they do not, make sure that you shop around to get a competitive rate on repairs.
- Be aware of diminished value: If you were not at fault, yet your car is in need of extensive repairs, you must be wary of the possibility that your car will incur diminished value as a result of the damage. Diminished value means that your car is worth less than a vehicle of the same model and year because of the quality of repairs, the parts used for repair, or simply because the title on the vehicle is no longer clean. In many cases, you can file a claim with the insurance company so that you are compensated for the diminished value of your vehicle. Use a claim calculator to find out if this is a possibility for you.